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What is the cheapest Classic Car Insurance for a Volvo?

Volvo is hugely popular with classic car fans, thanks to an excellent mix of reliability and driver luxury. One of the most popular models is the P1800, which was based on the Amazon or 120-series. But modern Volvos are always popular - from the 240 to the 700 and 900 series. Our top pick for modern classic status, however, is the 850T5R.

Can I get it on a classic policy?

You'll need to check directly with an insurance company if the Volvo you're looking to cover is available on a classic policy. 

What are the benefits?

As well as being with a specialist insurer, a classic policy will often offer benefits such as limited mileage discounts, free European cover, agreed valuation and club member discounts

How much are they worth?

Prices vary wildly. You can pick up a 900 with an MoT for under a grand, while a very tidy example of a 850 T5R could have an asking price of nearly £10k at a dealr.

What to look for when buying one?

Generally speaking, Volvo's are reliable as long as they're well looked after. Most of their engines are understressed, but the more powerful models pushed the redblock design to its limit. Rust can be a problem, too.

How can I lower the cost of my insurance

Insurers often offer discounts if you’re a member of a classic car club. When it comes to any Volvo one of the biggest clubs is Volvo Owners' Club. You could also get yourself a discount by keeping the miles down. If you've recently passed your test, consider taking a PassPlus, IAM or other driver qualification - some insurers will chip a bit off your premium if you do. Keeping your car garaged is also another good idea.

What about modifications?

Always tell your insurer about any modifications to the vehicle - some modifcations such as security systems or tracking devices can reduce your premium. But if your insurer knows your car is modified, you'll most likely get like-for-like cover so you won't be out of pocket if you need to make a claim.

Insurance quotes

The following fully-comprehensive insurance quotes are based on a 40-year-old Cambridgeshire-based man in full-time employment. He is named driver on another car and has clean UK licence. Mileage is limited to 3000 a year and the car is kept garaged overnight.

Model Cheapest annual premium Insurer
Volvo 122S £78.62  Performance Direct
Volvo 244GL £78.62  Performance Direct
Volvo 1800S £78.62  Performance Direct
Volvo 850T5R £266.96*  Flux Direct*
Volvo 940GLE £190.72  Performance Direct

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